InMinutes vs Etsy: Transaction Fees Compared (2026)
Etsy takes 6.5% + $0.20 + 3% + $0.25 per sale — plus up to 15% Offsite Ads. InMinutes charges 0% platform fees at a flat $99/mo. The crossover: ~$1,450/mo.
Etsy's percentage stack vs a flat monthly fee — with the exact revenue level where leaving the marketplace starts paying for itself.
Quick answer: Yes, Etsy charges transaction fees — 6.5% of every sale including shipping, plus a $0.20 listing fee per item sold, plus Etsy Payments processing of 3% + $0.25 (US), plus 12–15% Offsite Ads fees on ad-attributed orders (mandatory above $10,000/year, per etsy.com's seller fee policy). InMinutes charges a 0% platform transaction fee on its Business plan ($99/mo) — you pay only Stripe's ~2.9% + $0.30 processing. On $10,000/month in sales: roughly $1,040 in Etsy fees vs $449 on InMinutes.
The distinction most people miss
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Payment processing fee — what the payment system charges to move money (Etsy Payments: 3% + $0.25 US; Stripe: ~2.9% + $0.30). Every seller pays this everywhere. InMinutes does not remove it and doesn't claim to.
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Platform transaction fee — what the platform charges on top for selling through it. Etsy's is 6.5% plus listing fees plus Offsite Ads. InMinutes' is 0%.
Fee comparison at $10,000/month in sales
Platform | Monthly plan | Platform transaction fee | Payment processing | Total on $10,000/mo |
|---|---|---|---|---|
Squarespace (Core) | $23 | 0% | 2.9% + 30¢ | $373 |
Wix (Core) | $29 | 0% | 2.9% + 30¢ (Wix Payments) | $379 |
Shopify Basic (Shopify Payments) | $39 | 0% | 2.9% + 30¢ | $389 |
InMinutes (Business) | $99 | 0% | Stripe 2.9% + 30¢ | $449 |
Shopify Basic (third-party gateway) | $39 | 2% | gateway's rate (~2.9% + 30¢) | $589 |
Etsy | $0 | 6.5% + $0.20 per item sold | 3% + 25¢ (Etsy Payments) | $1,040 |
Etsy + mandatory Offsite Ads | $0 | above + 12% on ad-attributed orders | 3% + 25¢ | $1,040 + 12% of attributed sales |
Assumptions: US rates, $10,000/mo in sales at a $50 average order (200 orders), card-not-present, July 2026 prices from each platform's own pricing/fee pages. At $10,000/mo (=$120k/yr) Etsy's Offsite Ads fee is mandatory at 12% on orders attributed to its ads. |
Break-even math: when flat beats percentage
At a $50 average order, Etsy's mandatory fees (6.5% + listing + processing) work out to about 10.4% of revenue. InMinutes costs $99 flat plus ~3.5% Stripe processing. The crossover:
10.4% of sales = $99 + 3.5% of sales → sales ≈ $1,450/month.
Below ~$1,450/month, Etsy is cheaper — it has no monthly fee, and its percentage model genuinely favors very small sellers. It also brings you marketplace buyers you'd otherwise have to find yourself; those fees buy real traffic. That's the honest low end. Above ~$1,450/month, every additional sale widens InMinutes' advantage, because Etsy's take grows with revenue and InMinutes' doesn't.
Monthly sales | Cost on Etsy | Cost on InMinutes | You keep with InMinutes |
|---|---|---|---|
$2,000 | $208 | $169 | $1,831 |
$5,000 | $520 | $274 | $4,726 |
$10,000 | $1,040 | $449 | $9,551 |
$25,000 | $2,600 | $974 | $24,026 |
$50,000 | $5,200 | $1,849 | $48,151 |
Etsy column excludes Offsite Ads (add 12–15% on ad-attributed orders) and optional Etsy Ads. Both columns include payment processing. |
What you give up, what you gain
What Etsy genuinely does better: buyers. Etsy is a marketplace with ~90 million active shoppers searching for handmade and vintage goods — you list, and demand already exists. No website builder, InMinutes included, can hand you an audience. For a brand-new seller with no following, Etsy's traffic is worth its fees.
What InMinutes gives back: your own store on your own site, generated in under 2 minutes, with inventory tracking and real-time revenue analytics — and a 0% platform fee, so scaling doesn't scale your costs. The $99 Business plan also includes what Etsy can't offer: your own SEO/AEO presence (structured data, sitemaps, llms.txt), the Audience CRM with email campaigns to own your customer list (Etsy keeps buyers as Etsy customers), booking if you sell services too, and chat-to-edit control of the whole site.
Who should switch — and who shouldn't
Consider InMinutes if you:
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Sell more than ~$1,450/month — the fee math already favors flat pricing
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Have repeat customers or a social following and want to stop paying 10%+ to reach people who already know you
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Want to build an email list you own, not rent Etsy's audience
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Hit Etsy's mandatory 12% Offsite Ads tier and can't opt out
Stay on Etsy (or keep it alongside) if you:
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Are just starting with no audience — Etsy's marketplace traffic is the whole value
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Sell under ~$1,450/month, where no-monthly-fee beats flat-fee
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Sell in categories where buyers search Etsy first (handmade, vintage, craft supplies)
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Want zero fixed costs during slow seasons
Many sellers run both: Etsy for discovery, their own InMinutes store for repeat buyers — moving their best customers to the channel where they keep 100%.
Keep 100% of your sales.
Flat $99/mo. Zero platform fees. Live in 2 minutes.